I am a qualified Loony Bin financial adviser. Let's say you have 200k and I have 200k. Let's say you put yours down on a house and I put mine in the bank. Let's say I buy a 6 pack every night with the interest. Let's say the market crashes nuts and your heiss is worth less than you've already paid on it and I'm drunk off my ass on my interest beer. Let's say I have enough silver under my bed that when Dracula wakes up from his 1000 year slumber and starts sucking necks I'll make a goddamn bullet factory in my basement and be the last man standing. Now let's say your house burns down and you don't have heiss einsurence. Would you sell the copper piping out of your walls for beer money and drink with me while I show you a bank statement that still says 200,000 exactly to the penny?